Insuring a Smart costs about $706 a year for a typical model at the US average — below average — cheaper than most brands. The cheapest is the Fortwo (~$706/yr), the priciest the Fortwo (~$706/yr). Your own rate shifts with your state, age and record, but the model you pick sets the baseline: across 1 Smarts that baseline spans $706 to $706 a year.
Smart insurance cost by model
Estimated annual premium for every Smart model at the US average, cheapest first — from real HLDI insurance-loss indices. Click a model for its full page — all 1 of them, from the Fortwo up to the Fortwo.
| Model | Est. premium | vs average | Verdict |
|---|---|---|---|
| Fortwo | $706/yr | 49% of avg | Cheap |
Cheapest Smarts to insure
The Smart models that cost the least to insure at the US average.
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Smart insurance cost by state — all 50
Where you live moves a Smart premium as much as which model you pick. A typical Smart (index 49) runs about $979/yr in Florida but only $455/yr in Maine — a swing of over $524 on the same car.
Estimated annual premium for a typical Smart in every state, priciest first.
| State | Typical Smart / yr | vs US average |
|---|---|---|
| Florida | $979/yr | +39% vs US |
| Louisiana | $972/yr | +38% vs US |
| New York | $931/yr | +32% vs US |
| District of Columbia | $893/yr | +26% vs US |
| Georgia | $857/yr | +21% vs US |
| Texas | $848/yr | +20% vs US |
| Rhode Island | $839/yr | +19% vs US |
| New Jersey | $831/yr | +18% vs US |
| Colorado | $813/yr | +15% vs US |
| Maryland | $787/yr | +11% vs US |
| Nevada | $786/yr | +11% vs US |
| Michigan | $772/yr | +9% vs US |
| Delaware | $770/yr | +9% vs US |
| South Carolina | $745/yr | +6% vs US |
| Connecticut | $741/yr | +5% vs US |
| Arizona | $739/yr | +5% vs US |
| California | $696/yr | -1% vs US |
| Massachusetts | $694/yr | -2% vs US |
| Mississippi | $685/yr | -3% vs US |
| Oklahoma | $650/yr | -8% vs US |
| Missouri | $649/yr | -8% vs US |
| New Mexico | $639/yr | -9% vs US |
| Arkansas | $637/yr | -10% vs US |
| Utah | $631/yr | -11% vs US |
| Pennsylvania | $625/yr | -11% vs US |
| Alabama | $623/yr | -12% vs US |
| Oregon | $623/yr | -12% vs US |
| Alaska | $620/yr | -12% vs US |
| Illinois | $617/yr | -13% vs US |
| Virginia | $608/yr | -14% vs US |
| Washington | $606/yr | -14% vs US |
| West Virginia | $603/yr | -15% vs US |
| Minnesota | $601/yr | -15% vs US |
| Tennessee | $595/yr | -16% vs US |
| Kentucky | $593/yr | -16% vs US |
| Nebraska | $581/yr | -18% vs US |
| Montana | $581/yr | -18% vs US |
| Kansas | $580/yr | -18% vs US |
| Wyoming | $579/yr | -18% vs US |
| South Dakota | $568/yr | -20% vs US |
| North Carolina | $538/yr | -24% vs US |
| Ohio | $509/yr | -28% vs US |
| New Hampshire | $507/yr | -28% vs US |
| Indiana | $507/yr | -28% vs US |
| Iowa | $496/yr | -30% vs US |
| Wisconsin | $491/yr | -30% vs US |
| Hawaii | $490/yr | -31% vs US |
| Idaho | $482/yr | -32% vs US |
| North Dakota | $472/yr | -33% vs US |
| Vermont | $470/yr | -33% vs US |
| Maine | $455/yr | -36% vs US |
Estimate a specific Smart model in your state →
Smart insurance cost by year
A typical Smart costs about +19% more to insure than in 2019 — premiums have climbed across the board. Estimated typical Smart premium by year (US average):
| Year | Typical Smart / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
For how insurance changes by a car's model year (a 2018 vs a 2024 of the same model), see each model's page.
Insurance cost rankings
Full lists ranked by the same HLDI loss data behind every Smart figure above.
| Ranking | Tops the list | Estimated cost | Cars ranked |
|---|---|---|---|
| Cheapest Cars | Chevrolet Express | $690/yr | 669 |
| Priciest Cars | McLaren 720S | $10,589/yr | 669 |
| Cheapest for Teen Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for Young Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for New Drivers | Chevrolet Express | $690/yr | 591 |
Smart insurance — frequently asked
Is Smart expensive to insure?
Smart is below average — cheaper than most brands to insure — a typical model runs about $706/yr at the US average. Sportier and pricier models cost more; mainstream ones cost less — the gap inside the range runs from $706 to $706.
What is the cheapest Smart to insure?
The Fortwo is the cheapest Smart to insure in our data — around $706/yr at the national average, about 51% below a typical car.
What is the most expensive Smart to insure?
The Fortwo is the priciest Smart to insure — roughly $706/yr, about -51% above the average car.
How much is insurance on a Smart per month?
A typical Smart costs about $59/month at the US average for full coverage. It varies by exact model, your state, age and driving record — the cheapest Smart runs about $59/month, the priciest $59.
How is this Smart estimate calculated?
We combine each Smart model's real HLDI insurance-loss index with the NAIC average premium for the US (or your state). It's an estimate for a typical driver with full coverage — not a quote.